Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana (AB PM-JAY MMSBY)

The Ayushman Bharat PM-JAY MMSBY, launched on August 20, 2019, by the Punjab State Government, is designed to provide hospitalisation services for the Economically Weaker Sections (EWS) of the state. The scheme aims to offer cashless treatment up to ₹5 Lakhs to EWS residents at government and private hospitals. The scheme is administered by the State Health Agency (SHA) Punjab, which plays a key role in health service delivery.

As of 2025, the coverage has been enhanced to ₹10 Lakh per family annually under the Mann Government.

Here are the features of AB PM-JAY MMSBY:

Insurance Coverage

Each family beneficiary receives a cashless health insurance policy worth ₹5 Lakhs per year. This includes holders of the SSBY card.

Treatment Packages

1,579 secondary and tertiary care service packages are available at public and accredited private hospitals in Chandigarh and Punjab under this scheme.

Pre-existing Disease Coverage

Pre-existing conditions are covered, including three days pre-hospitalisation and fifteen days post-hospitalisation expenses.

Following is the list of benefits that you will get from AB PM-JAY MMSBY:

Financial Support

You get financial aid of up to ₹5 Lakhs, enabling treatment of serious or minor illnesses without out-of-pocket expenses.

Maximum Options

Beneficiaries can access free treatment at around 200 government and 767 private hospitals empanelled under the scheme.

Here’s a list of medical coverages under SSBY:

The scheme covers surgeries, pre-hospitalisation (3 days), post-hospitalisation (15 days), newborn treatment, and other hospitalisation costs.

Medical coverages include:

• Cardiology

• Mental health disorders

• General surgery

• Orthopaedics

• Paediatric surgery

• Plastic surgery

• Eye surgery

• General medicine

• Neurosurgery

• Polytrauma

• Radiation oncology

• COVID-19

• Cancer

• MRI and CT scans

Here are the kinds of beneficiaries covered under the AB PM-JAY MMSBY:

The SSBY card provides significant benefits to various categories such as smart ration card holders, labourers, farmers, journalists with yellow cards, and small traders registered under the Excise and Taxation Department.

With the SSBY card, beneficiaries can get cashless treatment at network hospitals. As of 2022, over 1.29 lakh cards had been issued, but the number has grown significantly since then.

SSBY service centres are available in major cities like Amritsar, Bhatinda, Ludhiana, Chandigarh, etc., to assist residents in card-related queries. Find your nearest centre via the official SHA Punjab website:
https://sha.punjab.gov.in/shapunjab/index

Beneficiaries include:

• NFSA (National Food Security Act) ration card holders

• Marginal and small farmers

• Small traders under the Excise and Taxation Department, Punjab

• Construction workers

• J-form holder farmers

• Accredited journalists holding yellow cards

You can check your AB PM-JAY MMSBY eligibility through the online portal of the State Health Agency, Punjab. Here are the steps:

1. Visit the official website of State Health Agency, Punjab website - https://sha.punjab.gov.in/shapunjab/index

2. Go to ‘CITIZEN CORNER’ and click on ‘CHECK FOR ELIGIBILITY IN SCHEME’.

3. Enter details like Aadhaar number, captcha.

4. Click on ‘Search’ to view eligibility.

Here are the documents required during the registration process:

• Aadhaar card

• Family identification document

If you have applied for an AB PM-JAY MMSBY card, you may easily check the beneficiary list to see if your name is on it. Below are the steps you can follow:

1. Visit the State Health Agency, Punjab official webpage.

2. Scroll down and click on ‘Whether my family is entitled under the scheme’.

3. Enter Aadhaar number and captcha.

4. Click on ‘Search’ to check the list.

Here are the steps that will assist you in locating a common service centre:

Visit the official SHA Punjab website.

1. Navigate to ‘CITIZEN CORNER’ → ‘LOCATION FOR ECARD GENERATION (CSC)’.

2. Select your district from the dropdown and click on ‘Search’ to check the service centres.

You can check the disabled AB PM-JAY MMSBY e-card with the help of the below-listed procedure.

1. Visit the State Health Agency portal.

2. Click on ‘CITIZEN CORNER’ → ‘CHECK DISABLED ECARDS STATUS (POLICY 2023-24)’.

3. Enter eCard ID and captcha.

4. Click on ‘Check Status’.

Here’s a step-by-step guide to checking AB PM-JAY MMSBY's empanelled hospital list. 

1. Open the official SHA Punjab portal.

2. Go to ‘HOSPITALS’ → ‘EMPANELLED HOSPITALS (AB PMJAY MMSBY)’.

3. You can search through PIN code, facility name, district or all of them (advanced search)

Here are the instructions for checking the de-empanelled hospital list for the AB PM-JAY MMSBY:

1. Go to the State Health Agency, Punjab's official website

2. Click on the ‘HOSPITALS’ tab after accessing the homepage 

3. Next, choose ‘DE-EMPANELLED HOSPITALS’ from the menu

The list will then be displayed on a new page.

You may contact the AB PM-JAY MMSBY officials in case of any kind of complaint or grievance by using the contact details given below.

Helpline Numbers (Complaints/Grievance):

• 104 (Toll Free)

• 14555 (Toll Free)
   

Address: 4th Floor, BSNL Circle Office, Sector-34A, Chandigarh